Electronic purse

ABSTRACT

A processor  29  automatically sets a direction of transferring electronic money information depending on the existence of IC cards  1   a,    1   b  connected to IC card connecting portions  11   a,    11   b , and the existence of an external device connected to an external device connecting terminal  8 , thus making instructing operations for transferring electronic money information easier.

REFERENCE TO EARLIER FILED APPLICATION(S)

This application is a continuation of the following earlier filedapplication: Ser. No. 08/896,762 filed Jul. 18, 1997, allowed.

BACKGROUND OF THE INVENTION

1. Field of the Invention

The present invention relates to an electronic purse having a settlingfunction, suitable for an electronic money system which transferselectric information (electronic money information), i.e., a value(amount of money) corresponding to the amount of money stored in an ICcard, instead of actually transferring that money, and in particular, toan electronic purse which transfers electronic money information (amountof money information) through communication lines such as publictelephone lines.

2. Description of Related Art

Conventionally, in an electronic money system transferring electronicmoney information corresponding to an amount of money, instead of actualmoney, transferring of electronic money information is performed, asdescribed in Japanese Patent Laid-Open (KOKAI) No. 3-92966 for example,in such a manner that each person having an IC card, visits a shop, anautomatic vending machine, or a bank (hereinafter, generally referred toas “shop” for simplicity), and uses a terminal unit installed in eachshop. When each person wishes to receive electronic money information,they must visit a shop having a terminal unit and insert their IC cardinto the terminal unit to receive replenishment of electronic money.

The terminal unit installed in a shop functions to carry outtransactions using input of values of electronic money information.However, to draw the balance from one's account to leave a balance ofnothing, it is necessary to input a value of electronic moneyinformation, which is a troublesome operation.

Further, the terminal unit installed in a shop functions to carry outactive transactions in which a value of electronic money information anda direction of transfer, i.e., indication of receipt or payment, areinputted. However, it is not constructed to be compatible with a passivefunction which works on a transaction partner's designation of a valueof electronic money information and a direction of transfer.

The electronic money system described in Japanese Patent Laid-Open(KOKAI) No. 6-162059 proposes electronic purses which can be connectedthrough a telephone communication means. However, it does not disclosemeans for improving the above-described troublesome operation orinsufficient function.

SUMMARY OF THE INVENTION

An electronic purse in the conventional electronic money system istroublesome in its operation, because many instructing operations arerequired for payment and receipt of electronic money information. Forexample, it is necessary to select and set a direction of transferringelectronic money information from many choices. Even to transfer a givenvalue of electronic money information, as in the case of remittance ofthe entire balance or of a fixed amount, that value must be setexplicitly.

Further, it has been impossible to reconcile a function of transferringelectronic money information in which a transaction partner designates avalue of electronic money and a direction of transaction and a functionof transaction in which a user performs various settings actively forthemselves.

Furthermore, when electronic money information is received and sentthrough public telephone lines, receipt and sending of voice informationis stopped during the receipt and sending of the electronic moneyinformation and a silent state exists, and it is therefore difficult toconfirm that the system is working. Further, transfer of voiceinformation through the telephone communication lines becomesimpossible.

Thus, an object of the present invention is to simplify instructingoperations for transferring electronic money information. To give moredetail, the present invention reduces instructing operations in settinga direction of transferring electronic money information and a value tobe transferred.

Another object of the invention is to make it possible to transferelectronic money information without setting a value to be transferredand a direction of transfer, for oneself.

Another object of the invention is to make it possible to confirm easilythat the system is working.

Still another object of the invention is to make it possible to transfervoice information while electronic money information is being sent orbeing received.

To accomplish the above-described objects, in the first mode of thepresent invention, there is provided an electronic purse comprising:

IC card connecting means for connecting to an IC card storing electronicmoney information;

IC card reading and writing means for reading or writing informationfrom or into the IC card connected to said IC card connecting means;

a control means for controlling reading and writing of electronic moneyinformation in the IC card; and

an external device connecting terminal for sending and receivingelectronic money information to and from an external device; and

a switching means for making it possible to mutually receive and sendelectronic money information between said IC card reading and writingmeans and said external device connecting terminal, and an externaldevice detecting means for detecting a response from an external deviceconnected to said external device connecting terminal;

wherein when said external device detecting means detects connection ofthe external device, said control means sets said switching means sothat electronic money information in said IC card can pass between saidexternal device connecting terminal and said IC card reading and writingmeans, making it possible to send and receive electronic moneyinformation between said external device and said IC card.

According to this mode of the invention, it is possible to reducechoices of directions of transferring electronic money information,simplifying instructing operations.

The electronic purse may be provided with a lump-sum remittance buttonfor giving instructions of lump-sum sending of electronic moneyinformation stored in an IC card and a lump-sum remittance buttonoperation detecting means for detecting an operation signal indicatingthat this button has been operated, so that, when the lump-sumremittance button is operated, the control means performs such controlprocessing that all the electronic money information stored in said ICcard or a user-set value is sent in the lump sum to the external deviceconnected to the external device connecting terminal.

This simplifies instructing operations for setting a choice of adirection of transferring electronic money information and a value ofelectronic money information to be transferred.

Further, the electronic purse may be provided with a lump-sum drawingbutton for giving instructions of receiving all the electronic moneyinformation stored in the external device connected to the externaldevice connecting terminal, so that when the lump-sum drawing button isoperated, the control means performs such control processing that allthe electronic money information which is stored in and received fromthe external device or a user-set value is received by the IC cardthrough said external device connecting terminal.

This simplifies instructing operations for setting a choice of adirection of transferring electronic money information and an amount ofmoney to be drawn.

According to the second mode of the present invention, there is providedan electronic purse comprising:

IC card connecting means for connecting to an IC card storing electronicmoney information;

IC card reading and writing means for reading or writing informationfrom or into the IC card connected to said IC card connecting means;

a control means for controlling reading and writing of electronic moneyinformation from and into the IC card;

an external device connecting terminal for sending and receivingelectronic money information to and from an external device;

a transaction button for giving instructions of sending and receivingelectronic money information to and from the IC card; a numerical inputmeans for inputting a value of electronic money information to be dealtwith;

an instruction decision button for inputting decision of instructions;and

a remittance direction detecting means for detecting electronic moneyinformation transfer direction data inputted from the external devicethrough the external device connecting terminal, and a transferdirection setting means for setting a direction of transferringelectronic money information in relation to the IC card;

wherein, when, after operation of the transaction button is detected,and the instruction decision button is operated while the numericalinput means is not operated, the control means sets the transferdirection setting means in accordance with electronic money informationtransfer direction data detected by the remittance direction detectingmeans.

According to this mode of the invention, it is possible to transferelectronic money information without setting an amount of money to betransferred and a direction of transfer, for oneself.

According to the third mode of the present invention, there is providedan electronic purse comprising:

IC card connecting means for connecting to an IC card storing electronicmoney information;

IC card reading and writing means for reading or writing informationfrom or into the IC card connected to the IC card connecting means;

a modem for sending and receiving electronic money information to andfrom an external device through a communication line;

a transaction button for giving instructions of sending and receivingelectronic money information to and from the IC card;

telephone receiver means for outputting voice information receivedthrough the communication line;

line switching means for switching the communication line to the modemor to the telephone receiver means; and

a voice information storage means for storing voice information, andvoice connecting means for supplying the voice information stored in thevoice information storage means to the telephone receiver means;

wherein, when the transaction button is operated, the communication lineis connected to the modem while the voice information is supplied to thetelephone receiver means; and

while electronic money information of the IC card is sent or received toor from the external device through the modem and the communicationline, said voice information such as a piece of music or a message isoutputted through the telephone receiver means.

Accordingly, it is possible to confirm easily that the system isworking.

Further, according to the fourth mode of the invention, there isprovided an electronic purse comprising:

IC card connecting means for connecting to an IC card storing electronicmoney information;

IC card reading and writing means for reading or writing informationfrom or into the IC card connected to the IC card connecting means;

a modem for sending and receiving electronic money information to andfrom an external device through a communication line;

a transaction button for giving instructions of sending and receivingelectronic money information to and from the IC card; and

a telephone transmitter-receiver means for talking by means of voiceinformation sent and received through the communication line, and a linesuperposition means for sending and receiving signals of the modem andthe telephone transmitter-receiver means in a superposed manner to andfrom the communication line;

wherein when the transaction button is operated, it is made possible tosend and receive voice information such as a piece of music or a messagethrough the line superposition means, and to input and output the voiceinformation through the telephone transmitter-receiver means, whileelectronic money information is sent or received to and from theexternal device through the line superposition means and the modem.

Accordingly, it is possible to transfer voice information whileelectronic money information is being sent or received.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a block diagram showing a configuration of the firstembodiment of the electronic purse according to the present invention;

FIG. 2 is a flowchart showing control processing performed by aprocessor in the electronic purse according to the present invention;

FIG. 3 is a selection menu screen in the electronic purse of FIG. 1according to the present invention;

FIG. 4 is another selection menu screen in the electronic purse of FIG.1 according to the present invention;

FIG. 5 is a flowchart showing control processing performed by a controlmeans in the electronic purse of FIG. 1 according to the presentinvention;

FIG. 6 is a block diagram showing a configuration of the secondembodiment of the electronic purse according to the present invention;

FIG. 7 is a block diagram showing a configuration of the thirdembodiment of the electronic purse according to the present invention;and

FIG. 8 is a block diagram showing a configuration of the fourthembodiment of the electronic purse according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

The first embodiment of the electronic purse according to the presentinvention will be described referring to FIGS. 1-5. FIG. 1 is a blockdiagram showing a configuration of the first embodiment of theelectronic purse according to the present invention.

The reference numeral 1 (1 a, 1 b) refers to an IC card storingelectronic money information, 2 to a main body of the electronic purse,3 to a public telephone communication line, 4 to a telephone to beconnected with the communication line 3 for voice communication, 5 to amodem unit connecting the line 3 and the main body 2 of the electronicpurse, 8 to an external device connecting terminal provided in the mainbody 2 of the electronic purse, and 9 to a line switching unit forswitching the communication line 5 to the telephone 4 or to the modemunit 5 depending on a control signal 6 from the modem unit 5. Thereference numeral 10 refers to a voice recording-reproducing unitconnected to the telephone 4 by the line switching unit 9, 11 (11 a, 11b) to an IC card connecting portion to which an IC card 1 (1 a, 1 b) isdetachably connected for sending and receiving electronic moneyinformation, 12 to a remittance direction switching unit for setting adirection of transferring electronic money information with respect tothe external device connecting terminal 8, 13 to an IC card remittancedirection switching unit for setting a direction of transferringelectronic money information between the IC cards 1 a and 1 b, 14 to anexternal switching unit for setting either connection of the IC cards 1a, 1 bwith each other or connection with the external device connectingterminal 8, 15 (15 a, 15 b) to an IC card detector for detecting if theIC card 1 (1 a, 1 b) is connected to the IC card connecting portion 11 aor 11 b or not, 16 to a device discriminating signal sending member forsending a sending data sequence 17 through the external deviceconnecting terminal 8 for discriminating a device, 18 to a deviceresponse detecting member for detecting a detection data sequence 19inputted through the external device connecting terminal 8 fordiscriminating a device, 20 to a remittance direction data sendingmember for sending data indicating a remittance direction through theexternal device connecting terminal 8, 21 to a remittance directiondetecting member for detecting data indicating a remittance directioninputted through the external device connecting terminal 8, 22 to a datasequence storage medium which stores data sequences, 23 to a transactionbutton which is operated when a user instructs start of the transfer ofelectronic money information, 25 to a decision button for a user toinstruct the main body 2 of the electronic purse to decide operationsetting, 26 to an amount of money input button for setting a value(transfer value) of electronic money information to be transferred, 27to a selection switch for instructing and inputting a direction oftransferring electronic money information, 28 to a display unit fordisplaying a value inputted by the amount of money input button 26 and adirection of transferring electronic money information, which can beselected by the selection switch 27, and the like, and 29 to a processorwhich performs control processing for processing, inputting andoutputting electronic money information and other information signals inthe main body 2 of the electronic purse of this embodiment.

Here, the remittance direction switching unit 12, IC card remittancedirection switching unit 13, external switching unit 14, devicediscriminating signal sending member 16, device response detectingmember 18, remittance direction data sending member 20, remittancedirection detecting member 21, and processor 29 are, in fact, functionalmeans constructed by CPU, programs, memory, and the like.

Now, operation of the electronic purse having the above-describedconstruction will be described referring to FIGS. 2-5. FIG. 2 is aflowchart of the processing operation mainly in the processor 29,showing processing from detection of an operation input signal of thetransaction button 23 in the electronic purse shown in FIG. 1 toselective instruction of a direction of transferring electronic moneyinformation (direction of remittance).

When the processor 29 detects the operation input signal of thetransaction button 23 in Step 101, it goes to Step 102 and detectsoutput signals of the IC card detectors 15 a, 15 b. In Step 103, if itis confirmed that only one of the IC cards 1 a, 1 b is connected to theIC card connecting portion 11 a or 11 b, it goes to Step 104, causingthe device discriminating signal sending member 16 to send a sendingdata sequence (1) 17 to the external device connecting terminal 8. Atthis time, as the sending data sequence (1) 17, there is used a datasequence (1) which has been written into the data storage member 22. Adevice connected to the external device connecting terminal 8, the modemunit 5 in this embodiment, replies to this sending data sequence (1) 17.The returned response is received by the device response detectingmember 18. The detection data sequence 19 received by the deviceresponse detecting member 18 is introduced in Step 105, and in the nextStep 106, this detection data sequence 19 is compared with a datasequence (2). At this time, as the data sequence (2), there is used adata sequence (2) which has been written into the data storage member22. In the comparison of Step 106, if it is confirmed that the detectiondata sequence 19 is the same sequence as the data sequence (2), it goesto Step 107, judging that the modem unit 5 is connected to the main body2 of the electronic purse. Thereafter, in Step 108, the modem unit 5 isinitialized as required, by sending a data sequence (4) which has beenwritten into the data storage member 22.

In the comparison of the above-described Step 106, in the case that thedetected detection data sequence 19 is different from the data sequence(2) written into the data storage member 22, it goes to Step 109,comparing the detection data sequence 19 with the next data sequence (3)written into the data storage member 22. In the present embodiment, thedata sequence (3) is the data sequence used by the main body 2 of theelectronic purse for response when it receives the same data sequence asthe data sequence (1) written into the data storage member 22, via theexternal device connecting terminal 8. Thus, if the detection datasequence 19 is the same as the data sequence (3), it goes to Step 110,recognizing that another usable main body of the electronic purse isconnected directly to the external device connecting terminal 8.

When the processor 29 recognizes that a usable device is connected tothe external device connecting terminal 8, it goes to Step 111,displaying a selection menu (2) screen on the display unit 28 forallowing selective instruction of a direction of transferring electronicmoney information, and entry into remittance (transfer of electronicmoney information) control processing in relation to the externaldevice.

In the case that, in Step 103 and Step 112, two IC cards 1 a, 1 bconnected to the two IC card connecting portions 11 a, 11 b aredetected, it goes to Step 113, and in the present embodiment, aselection menu (1) screen is always displayed, which allows selectiveinstruction of a direction of transferring electronic money informationbetween the two IC cards 1 a, 1 b, regardless of the fact that anexternal device is connected to the external device connection terminal8, and the process flow enters remittance (transfer of electronic moneyinformation) control processing between the IC cards.

Next, these selection menu screens will be described referring to FIGS.3 and 4. FIG. 3 is the selection menu (1) screen in the case that two ICcards 1 a, 1 b are connected. By operating the selection switch 27 tomove a cursor 30, it is possible to selectively instruct a direction oftransferring electronic money information.

FIG. 4 is the selection menu (2) screen in the case that one IC card 1 a(1 b) is connected. As in the selection menu (1) screen shown in FIG. 3,the selection switch 27 is operated to move the cursor 30 so as toselectively instruct a direction of transferring electronic moneyinformation.

Now, referring to FIG. 5, there will be described processing operationsfor transferring electronic money information in the case that, in theselection menu (2) screen shown in FIG. 4, the selection switch 27 isoperated to selectively instruct a direction of electronic moneyinformation, and a value of electronic money information to betransferred is inputted by the amount of money button 26, and thereafterthe decision button 25 is pushed. The case will also be described wherethe decision button 25 is pushed without operating the amount of moneybutton 26.

FIG. 5 is a flowchart of control processing operations in the processor29, showing from the selection menu (2) screen shown in FIG. 4 forexecution of transfer of electronic money information.

In Step 201, if operation of the decision button 25 is detected, it goesto Step 202, where it is judged if a value of electronic moneyinformation (amount of money to be transferred) has been set byoperation of the amount of money button 26 before the operation of thedecision button 25. In the case that the value of electronic moneyinformation to be transferred has been set, it goes to Step 203, where,first of all, the modem unit 5 is controlled through the external deviceconnecting terminal 8 to make it possible to transfer electronic moneyinformation through the communication line 3. Next, in accordance withthe set value of the transfer direction selected on the selection menu(2) screen shown in FIG. 4, the remittance direction data sending member20 is made to send data indicating the direction of transferringelectronic money information. After that, it goes to Step 204 where theIC card remittance direction switching unit 13, external switching unit14, and remittance direction switching unit 12 are set, and then, toStep 205 where electronic money information is transferred to or fromthe other device through the modem unit 5 and the communication line 3.

On the other hand, in the case that a value of electronic moneyinformation to be transferred (amount of money to be transferred) hasnot been set by operating the amount of money button 26 before theoperation of the decision button 25, the process goes from Step 202 toStep 206, where, first of all, the modem unit 5 is controlled throughthe external device connecting terminal 8 to make it possible totransfer electronic money information through the communication line 3.Next, based on data indicating a direction of remittance, sent from theother device and detected by the remittance direction detecting member21, the transfer direction is detected. Then, it goes to Step 205, wherethe IC card remittance direction switching unit 13, external switchingunit 14, and remittance direction switching unit 12 are set, and furtherto Step 205 to execute transfer of electronic money information to orfrom the other device through the modem unit 5 and the communicationline 3.

In the above-described control processing operation for transferringelectronic money information, in the present embodiment, it is definedthat a device to be connected through the communication line 3 isordinarily connected by a line connecting operation using the telephone4 which is to be connected to the communication line 3 by the lineswitching unit 9. Thereafter, the processor 29 controls the modem unit5, and its control signal 6 controls the line switching unit 9 fortransferring electronic money information. The line switching unit 9connects the modem unit 5 to the communication line 3, while separatingthe telephone 4 from the communication line 3 and connecting it to anoutput circuit of the voice recording-reproducing member 10. The voicerecording-reproducing member 10 outputs a holding tone recorded inadvance.

Next, there will be described the effects of the above-described firstembodiment of the electronic purse according to the present invention,which performs the various operations described above.

In the present embodiment, a direction of transferring electronic moneyinformation between IC cards or in relation to another external devicecan be easily set according to the number of connected IC card(s) 1 andconstruction of a connected device, by simply pushing the transactionbutton 23. At that time, it is automatically judged if the externaldevice can be used or not. As for the selection of functions, selectiveinstructions required from a user are only necessary as minimum ones,thus making the instructing operations easy.

In the present embodiment, when two IC cards 1 a, 1 b are connected, anexternal device connected to the external device connecting terminal 8is not detected, because transfer of electronic money information isinterpreted as one between these two IC cards, thus reducing theavailable choices. However, in an embodiment where a larger number ofchoices are allowed, it may be also detected if an external device isconnected to the external device connecting terminal 8, and when anexternal device is thus connected, all the combinations of transfer ofelectronic money information considering the external device too aredisplayed as choices, so that control of transferring electronic moneyinformation can be performed including that external device. In thatcase, initial data for a transfer direction may be made as a transferbetween the IC cards, which simplifies the instructing operations forselecting a transfer direction.

When it is not necessary to decide a transfer direction, by operatingthe decision button 25 just after operation of the transaction button23, a transfer direction is set in accordance with remittance directiondata given from another device connected externally, and thus theselection operation becomes unnecessary.

Data sequences used for discriminating external devices are stored inthe data sequence storage medium 22 provided separately from theprocessor 29. As a result, by exchanging the data sequence storagemedium 22, data sequences used for discriminating external devices canbe changed easily.

The telephone 4 used for the line connecting operation is separated fromthe communication line 3 during sending and receiving of electronicmoney information, and connected to the voice recording-reproducingmember 10. So that a holding tone is generated. As a result, a user canknow from the sound that the purse is in the middle of the operation ofsending or receiving electronic money information.

Next, referring to FIG. 6, the second embodiment of the electronic purseaccording to the present invention will be described. FIG. 6 is a blockdiagram showing a configuration of the second embodiment of theelectronic purse according to the present invention. The same numeralsare used for components identical to the first embodiment, and repeateddescription is omitted.

In the second embodiment, differing from the first embodiment, there areadded a lump-sum remittance function and lump-sum drawing function, anda lump-sum remittance button 31 and lump-sum drawing button 32 are alsoprovided. The lump-sum remittance function is a function for remitting(transmitting), in a lump-sum, electronic money information stored inthe IC card 1 a (1 b) connected to the IC card connecting portion 11 a(11 b). The lump-sum drawing function is a function for drawing, in alump-sum, all the electronic money information which can be receivedfrom an external device connected through the communication line 3.Control processing for realizing these functions are attained byexecuting programs built into the processor 29.

In the second embodiment, when an operating signal is inputted from thelump-sum remittance button 31, the processor 29 first of all detectsoutput signals of the IC card detectors 15 a, 15 b. In the case that oneIC card 1 a (1 b) is connected to the IC card connecting portions 11 a,11 b, a value of electronic money information stored in this IC card 1 a(1 b) is read. Next, the modem unit 5 connected to the external deviceconnecting terminal 8 is detected. Thereafter, control processing isperformed such that all the values of electronic money information readout are sent to another device connected through the modem unit 5 andthe communication line 3. In this second embodiment, by operating onebutton 31, the processing is performed until sending of the electronicmoney information to the external device is completed.

Next, when an operation signal from the lump-sum button 32 is inputted(the first time), output signals of the IC card detectors 15 a, 15 b aredetected first of all. In the case that one IC card 1 a(1 b) isconnected to the IC card connecting portions 11 a, 11 b, the modem unit5 connected to the external device connecting terminal 8 is detected.Next, by controlling the modem unit 5, information on a value ofelectronic money information which can be obtained from the other devicethrough the communication line 3 is obtained, and displayed on thedisplay unit 28 as balance information. Then, the operation signal fromthis lump-sum drawing button 32 is inputted (the second time), controlprocessing is performed for receiving all the value of the obtainableelectronic money information from the other device through the modemunit 5 and the communication line 3. Without operations based on theinstructions from the other device, this processing can be performeduntil the control processing for receiving the electronic moneyinformation from the other device is completed by operating one button32.

According to the second embodiment, the following effects are obtained.

In the second embodiment, operation of only one button 31 can performremittance of the entire amount of electronic money information storedin the IC card 1 a(1 b), in a lump sum, to other devices, for example, adevice installed in a bank. Further, by operating only one button 32, itis possible to receive all the electronic money information which isstored in and can be drawn from another device, for example, a deviceinstalled in a bank.

In describing the second embodiment, there has been shown, as anexample, the control processing for receiving all the electronic moneyinformation which is stored in and can be drawn from another device, byoperating the lump-sum drawing button 32. If necessary, a fixed amountof electronic money information, which has been decided in advance, maybe drawn in a lump sum.

Next, referring to FIG. 7, the third embodiment of the electronic purseaccording to the present invention will be described. FIG. 7 is a blockdiagram showing a configuration of the third embodiment of theelectronic purse according to the present invention. The same numeralsare used for components identical to the first embodiment, and repeateddescription is omitted.

The third embodiment is different from the first embodiment in that anexternal device discriminating switch 33 is provided to discriminateconnection of external devices. This external device discriminatingswitch 33 is provided adjacent to the external device connectingterminal 8, and is constructed so that when a terminal box 34 on theside of the modem unit 5 abuts onto it, the switch is turned on. Theprocessor 29 inputs an output signal of the external devicediscriminating switch 33, and judges if an external device is connectedto the external device connecting terminal 8.

When the terminal box 34 on the side of the modem unit 5 is connected tothe external device connecting terminal 8, the external devicediscriminating switch 33 is operated, and its signal is transferred tothe processor 29. In the present embodiment, this signal from theexternal device discriminating terminal 33 is used for detecting(discriminating) if an external device is connected to the externaldevice connecting terminal 8 or not. Other control processing is thesame as in the first embodiment.

Since the signal from the external discriminating switch 33 is used fordiscriminating if an external device is connected to the external deviceconnecting terminal 8, the control processing is simpler than the firstembodiment. Although, in the present embodiment, the signal fordiscriminating an external device is generated by the external devicediscriminating switch 33, of course, similar effects can be obtained,for example, by employing such a construction that a signal is sent froman external device to a terminal of the external device connectingterminal 8, and the processor 28 receives this signal to detectconnection of the external device.

Next, referring to FIG. 8, the fourth embodiment of the electronic purseaccording to the present invention will be described. FIG. 8 is a blockdiagram showing a configuration of the fourth embodiment of theelectronic purse according to the present invention. The same numeralsare used for components identical to the first embodiment, and repeateddescription is omitted.

This fourth embodiment is different from the first embodiment in thattransfer of electronic money information is performed in parallel withtransfer of voice information. A demultiplexer 35 separates a signalobtained through the communication line 3 into a digital data signal 36and a voice information signal 37, and makes the voice signal 37 branchto the telephone 4. On the other hand, the digital data signal 36 ismade to branch to the main body 2 of the electronic purse through theexternal device connecting terminal 8 for transferring electronic moneyinformation.

In this fourth embodiment, line connecting control through thecommunication line 3 is performed by the telephone 4 as in the firstembodiment. After the connection of the line, transfer of electronicmoney information is performed using the digital data signal 36. At thattime, the telephone 4 sends and receives the voice information signal.Other operations are the same as the first embodiment.

According to such an embodiment, it possible to send and receive thevoice information signal using the telephone 4 while electronic moneyinformation is sent or received, so that guidance of an operation methodof the main body 2 of the electronic purse or other voice informationcan be sent and received or outputted as sound.

As described above, according to the present invention, when an externaldevice is connected to the external device connecting terminal 8, thecontrol processing can be performed so that electronic money isautomatically transferred between an IC card and the external device,thus obtaining easier instructing operations for transferring electronicmoney information.

Further, owing to the lump-sum sending function and lump-sum drawingfunction, a user can transfer electronic money information withoutsetting a value to be transferred and a transfer direction.

Further, whether or not the device is working is easily confirmed bysupplying sound from the telephone during sending and receiving ofelectronic money information.

Still further, electronic money information and voice information aresent and received in a superposed manner by the line superpositionmeans, so that voice information can be transferred during sending andreceiving of electronic money information.

What is claimed is:
 1. An electronic purse for processing electronicmoney information stored in an IC card, comprising: an IC card readingand writing unit to read or write information from or into said IC card;an operation control unit to process electronic money information readout by said IC card reading and writing unit; a transmission unit totransmit said electronic money information read out by said IC cardreading and writing unit to an external device; a lump sum transmissioninstruction button to allow a user to input instructions to transmit ina lump, all the electronic money information stored in said IC card; anda lump sum transmission instruction detecting unit to detect anoperation of said lump sum transmission instruction button; wherein whensaid lump sum transmission instruction detecting unit detects saidoperation of said lump sum transmission instruction button, saidoperation control unit controls so that all the electronic moneyinformation stored in said IC card is transmitted, in a lump, to saidexternal device via said transmission unit.
 2. An electronic purseaccording to claim, 1 further comprising a display unit to display a sumof said electronic money information.
 3. An electronic purse accordingto claim, 2 further comprising a money amount input unit to allow a userto input a transaction amount of said electronic money information. 4.An electronic purse according to claim 1, wherein said external deviceis in a bank teller machine.
 5. An electronic purse according to claim1, said lump sum transmission instruction button being a discrete buttondedicated solely to invoke lump sum transmission operations.
 6. Anelectronic purse for processing electronic money information stored inan IC card, comprising: an IC card reading and writing unit to read orwrite information from or into said IC card; an operation control unitto process electronic money information read out by said IC card readingand writing unit; a receiving unit to receive said electronic moneyinformation transmitted from an external device; a lump sum drawinginstruction button to allow a user to input instructions to draw, in alump, all the said electronic money information which is receivable fromsaid external in a lump; and a lump sum drawing instruction detectingunit to detect an operation of said lump sum drawing instruction button;wherein when said lump sum drawing instruction detecting unit detectssaid operation of said lump sum drawing instruction button, saidoperation control unit controls so that all the electronic moneyinformation that is receivable from said external device is drawn in alump to be stored in said IC card by said IC card reading and writingunit.
 7. An electronic purse according to claim 6, further comprising adisplay unit to display a sum of said electronic money information. 8.An electronic purse according to claim 7, further comprising a moneyamount input unit to allow a user to input a transaction amount of saidelectronic money information.
 9. An electronic purse according to claim6, wherein said external device is a bank teller machine and saidelectronic money information that is receivable from said externaldevice is information concerning the balance of a bank account.
 10. Anelectronic purse according to claim 6, further comprising a display unitfor displaying an amount of said electronic money information, whereinsaid operation control unit receives said electronic money informationwhich is receivable from said external device through said receivingunit, to cause said display unit to display an amount of the receivedelectronic money information, when said lump sum drawing instructiondetection unit detected that said lump sum drawing instruction unit hadbeen operated, and causes said IC card reading and writing unit to storethe received money information in said IC card, when said lump sumdrawing instruction input detecting unit detected that said lump sumdrawing instruction input unit had again been operated.
 11. Anelectronic purse according to claim 10, wherein said external device isa bank teller machine, and said electronic money information that isreceivable from said external device is information concerning thebalance of a bank account.
 12. An electronic purse for processingelectronic money information stored in an IC card, comprising: an ICcard reading and writing unit which reads or writes information from orinto said IC card; a processor which processes electronic moneyinformation read out by said IC card reading and writing unit; atransmission unit which transmits said electronic money information readout by said IC card reading and writing to an external device; and alump sum transmission instruction button which directs lump sumtransmission of all the electronic money information stored in said ICcard, wherein when said processor detects an operation of said lump sumtransmission instruction button said processor performs to controlprocessing so that all the electronic money information stored in saidIC card is transmitted in a lump to said external device via saidtransmission unit.
 13. An electronic purse for processing electronicmoney information stored in an IC card, comprising: IC card reading andwriting means for reading of writing information from or into said ICcard; operation control means for processing electronic moneyinformation read out by said IC card reading and writing means;transmission means for transmitting said electronic money informationread out by said IC card reading and writing means to an externaldevice; lump sum transmission instruction means for allowing a user toinput instructions to transmit in a lump, all the electronic moneyinformation stored in said IC card; and lump sum transmissioninstruction detecting means for detecting an operation of said lump sumtransmission instruction button, wherein when said lump sum transmissioninstruction detecting means detects said operation of said lump sumtransmission instruction button, said operation control means controlsso that all the electronic money information stored in said IC card istransmitted, in a lump, to said external device via said transmissionmeans.
 14. An electronic purse according to claim 13, said lump sumtransmission instruction means including a lump sum transmissioninstruction button being a discrete button dedicated solely to invokelump sum transmission operations.